Institution Statistics
| Johnson Bank | | FDIC Certificate # | 20296 | | BankRate Report | View | | Year Established | 1970 | | Employees | 882 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $3.99 billion | | Loans | $2.70 billion | | Deposits | $3.39 billion | | Equity Capital | $395.72 million | | Loan Loss Allowance | $119.31 million | | Unbacked Noncurrent Loans | $126.55 million | | Real Estate Owned | $40.27 million |
Historic Data - March 2011 | | Assets | $4.49 billion | | Equity Capital | $254.23 million | | Loan Loss Allowance | $169.54 million | | Unbacked Noncurrent Loans | $203.73 million | | Real Estate Owned | $68.95 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.3% | | Return on Assets | 0.18% | | Return on Equity | 2.34% | | Interest Income | $38.00 million |
|
|
Institution Health
Overall Score:
3 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Johnson Bank had $166.82 million in non-current loans and owned real-estate with $515.02 million in equity and loan loss allowances on hand to cover it. This gives Johnson Bank a Texas Ratio of 32.39% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Johnson Bank decreased significantly from 64.35% as of March 31, 2011 to 32.39% as of March 31, 2012, resulting in a positive change of 49.66%.This indicates that the balance sheet and financial strength for Johnson Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Johnson Bank has decreased its total deposits by -$476.77 million, resulting in -12.32% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Johnson Bank has shown is poor. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Johnson Bank has $3.99 billion in assets with $515.02 million in equity, resulting in a capitalization level of 12.90%, which is excellent. |
|
